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Depends on your credit rating and the device's total cost.
I had this question myself, and there was no info on the web. Happy to pay it forward now that I know the answer. I can confirm that you absolutely can get the XS with no money down. You just have to pay tax (which you always do). I did it with Jump 1.0, but I'd bet you also can with JOD. I imagine you do need to have good credit and likely have been a good T-Mobile customer for some number of years (only 3 years for me). Don't take no for an answer. Good luck!